jerrymahoney

To add to 2 questions on here: 1. WrLife premium policy. When I applied for WrLife NOV 2021, I was given 2 quotes. For application at age 70, the annual premium would be US$ 2508 per year. If I applied at age 71 it would be US$ 3841 per year. So that may address their way of, or not, age-related premium increases. 2. Underwriters. This from April International UK website: https://uk.april-international.com/en/living-abroad/long-term-international-health-plan (1.) If your insurance is contracted from outside of the EU/EEA the product is designed, administered and distributed by APRIL International UK and insured by either AXA XL Insurance Company UK Limited or AXA XL Underwriting Agencies Limited. Catlin Group Limited was a Bermuda-based specialty insurance and reinsurance company. Catlin operated six underwriting hubs worldwide and operated more than 55 offices worldwide. It owned the largest syndicate at Lloyd's of London, based on 2011 gross written premiums. Catlin shares were listed on the London Stock Exchange until it was acquired by XL Group plc in May 2015. https://en.wikipedia.org/wiki/Catlin_Group ************************************** So in virtually all cases, no matter who is listed as the healthcare underwriter, at least part of it, if not all of it, ends up at Lloyd's.

So as you noted on another Health topic *: "Nonetheless he wanted my personal opinion -- opinion not professional advise -- on what lab tests make sense and I offered it." So I will assume the post above is also your opinion and not professional -- as in insurance professional -- advice. * https://aseannow.com/topic/1269642-hello-sherylis-there-a-decent-urologist-i-can-see-at-vachira-government-hospital-in-phuket/?do=findComment&comment=17570467

As you have said. Someone wrote earlier another similar topic, there is no reason for an insurer not to disclose who is their underwriter. Obviously, the WrLife people disagree.

From WrLife English Language policy document: ANY INSURANCE FROM AN INTERNAL BROKER We are also licensed broker and we can find covers from any provider even from competitors. The WrLife global architecture also owns brokerage companies. One is in France for example and has the insurance broker license for all Europe. ************************************* Note the word "covers" as in plural. As for what is certain I have no comment.

OK -- maybe my next claim will be for a stroke or kidney failure so you can get a better handle on their possible longevity

That's because as I wrote they do not have one steady for-all-times- underwriter. And I know which regs they follow based upon my payment.

That isn't what you said last April: Claim with WRLife? how does that effect your premium now? with an accident they can't refuse a claim really, no get out https://aseannow.com/topic/1254832-private-health-cover-increased-by-almost-100-in-2-years/page/4/#elControls_17302315_menu

I went back and reviewed my email correspondence -- 30 emails back-&-forth with WrLife prior to submitting application mostly with Patrick Lorenz himself.

I had prior to WrLife 5 years of no claims with CIGNA Global so hard for them to say pre-existing condition. And WrLife is full medical policy not accident policy

You are suggesting that there are no actuaries at their underwriting syndicates? From a post different topic: This thread is hilarious. Nobody says the obvious: The people at WR/AIS are well known in the industry. https://aseannow.com/topic/1268153-wrlife-medical-insurance-experiences/?do=findComment&comment=17549445

It was hip replacement surgery following an accident. If it was hip replacement surgery based upon a degenerative condition, that would be different?

I had been with CIGNA Global for 5 years with no claims. I moved to an area with no direct payment from CIGNA Global and I found that unacceptable. So for that reason and others, I went with WrLife as they say more about what they do than you seem to realize. I declared no pre-existing conditions. And I not going repeat what I've already posted. 2 months after taking out the WrLife policy I am told by a orthopedic surgeon that my X-ray shows hip fracture. This will not heal. We can schedule hip replacement surgery tomorrow. I go to the insurance guy who says Who? We work with CIGNA every day but we don't know these people. So while waiting for the guarantee of payment from WrLife, I was thinking: Mahoney. You may have made the dumbest decision of your life. With CIGNA the claim would already be guaranteed. With WrLife, I am reasonably confident but until it arrives, it ain't no guarantee. Guarantee of Payment arrived. Claim paid 100%

A story is one thing. An anecdotal unsubstantiated claim that someone might factor into making a decision whether or not to buy health insurance is something else.

Well that's the thing for Americans with Medicare -- You have to be well enough to make the 20+ hour trip back to USofA when you might not be well enough to make the trip to Bangkok.

Or as the late US Senator Daniel Patrick Moynihan put it: "Everyone is entitled to his own opinion, but not to his own facts.”

1. Extravagantly wealthy people. 2. Not extravagantly wealthy people.

Everybody knows who he is and what he went through -- based on what you have posted, you do not even know that the "Some guy" you talked to was ever actually in a coma.

Not in my experience. I just had a procedure 2 weeks ago at a hospital where the package price was on their website in Thai language. But that's what I got -- except as a farang I had to pay for the PCR which is free for Thais. All this while my wife was out of town.

American Express. No credit limit. Visa and MC could be prepaid card.

The claim I bang on about was me. Not anecdotal. I have documents. Unless you mean the guy I referenced just once who was in a coma for 6 months at a government hospital but that guy was once voted Poster of the Year on Thaivisa.com so not just "some guy".

Compared to the potential upside of potentially USD 1 - 5 million per year in claims, to such persons as you describe, it is a pittance.

And for others with millions of USD available, the premium for a multi-million USD per year limit policy is a pittance.

OK if you say so.

Self-insurance for one is a misnomer. Companies that self-insure spread the risk against a number of employees. When you are the only self-insuree you have a reserve. There is no sharing of risk when there is only one person.

Well in your post you say 'a guy' was in coma for 6 months. What guy? How does one fact check 'a guy'? With CxnNxx he didn't have to pay as his wife's employment covered the bill